Certificates of Deposit - Fixed Rate

Are you looking for a higher interest rate than traditional savings accounts can offer? A Certificate of Deposit (CD) is perfect for you because it allows you to lock in your deposit for a specified period of time and allows higher yields on your money, depending on the length of the term.

Traditional CDs

$1000.00 Minimum deposit

The greater the balance, the greater the interest

Automatic renewal or single maturity

Terms between 32 days and 60 months

Interest may be transferred to a PSB checking, savings, or money market account—or paid directly to you by check

Rate Riser CD

$1000.00 Minimum deposit

Automatic renewal or single maturity

Term of 36 months

Allows you to take advantage of higher interest by allowing you to “raise” to a higher rate one time during the term of the CD

Interest may be transferred to a PSB Checking, savings, or money market account—or paid directly to you by check.

Individual Retirement Accounts (IRAS)

Planning the retirement of your dreams? Then it is time to explore the many options of an IRA. Tax-deferred savings on the interest you earn will help you to prepare to make withdrawals, typically at age 59½.

$250.00 Minimum deposit

Automatic maturity

Terms of 12 months, 18 months, 3 years and 4 years

Unlimited deposits into your account. The minimum amount you can deposit is $100.00

Principal withdrawn before maturity will result in penalty and reduce earnings

Rate Information

Please contact a New Accounts Representative or branch location nearest you for our current rates and Annual Percentage Yields (APY) information. Rates and/or terms and conditions are subject to change at any time, without prior notice at Peoples State Bank's discretion and/or as required or allowed by law. Fees, withdrawals and/or penalties could reduce the earnings on the account.

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